Palmetto, FL, 34221 | $375,000

WATERFRONT LIVING WITH A PRIVATE ELEVATOR, DEEDED BOAT SLIP, AND ENDLESS POTENTIAL!

Welcome to 3206 10th Lane W in Palmetto, where boating enthusiasts, seasonal residents, and full-time homeowners alike will appreciate the rare combination of space, location, and opportunity. Offering over 2, 600 square feet, 4 bedrooms, 3. 5 bathrooms, a private elevator, and deeded access to your own boat slip, complete with a brand new 20, 000-pound lift, this residence is a blank canvas ready for your personal vision.

As an added bonus, the seller is offering a $20, 000 credit at closing, providing the perfect opportunity to customize finishes, updates, and design elements to make this home uniquely yours.

The versatile first level features a spacious bedroom with an ensuite bathroom, creating the ideal setup for a private guest suite, multigenerational living arrangement, second primary bedroom, home office, or bonus retreat.

Ride your private elevator or take the stairs to the main living level, where the heart of the home unfolds. The open-concept living and dining spaces are enhanced by peaceful preserve views, creating a private and tranquil backdrop. A charming bump-out off the family room offers the perfect space for a home office, reading nook, or creative workspace. The kitchen features granite countertops, wood cabinetry, generous prep space, and an additional gathering area perfect for entertaining family and friends. A convenient half bath completes the level.

The upper floor offers three additional bedrooms, including the primary suite, which enjoys northwest-facing views of Florida's lush natural landscape and colorful sunset skies. The remaining two bedrooms share a full bathroom, and a conveniently located laundry room provides everyday comfort and functionality.

Outside, enjoy unobstructed preserve views with no rear neighbors, creating a sense of privacy rarely found in townhome living. For boaters, the real highlight awaits at your gated dock, where your deeded slip and new 20, 000-pound lift provide direct access to the Intracoastal Waterway, Tampa Bay, and the Gulf of America for endless days on the water.

Perfectly positioned near the shores of Snead Island, this exceptional location places you at the gateway to Florida's Gulf Coast lifestyle. Enjoy easy access to downtown Bradenton, downtown Sarasota, St. Petersburg, and Tampa, offering endless options for waterfront dining, arts, entertainment, shopping, and professional sports. Multiple airports, including Sarasota-Bradenton International Airport and Tampa International Airport, make travel effortless for both full-time and seasonal residents. Whether you're heading to the beaches of Anna Maria Island, exploring the vibrant Riverwalk districts, spending the day boating on the Intracoastal Waterway, or enjoying a weekend in St. Pete or Tampa, you'll appreciate the convenience of being centrally located to some of the region's most desirable destinations.

Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, 3206 10th Lane W delivers the rare chance to create your dream waterfront lifestyle while building equity through your own personal touches.

Features

  • Amenities: Elevator(s), Storage
  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 0 x 0
  • Laundry: Inside
  • Style: Contemporary
  • Year Built: 2005
  • Garage: 2-car Garage Door Opener, Guest
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,604
  • Acreage: 0.05
  • Lot Size: 0 x 0
  • Est. Taxes: $6,535
  • HOA Fee: $426 Monthly
  • Lot Desc: Conservation Area, Street Dead-End
  • View: Trees/Woods, Water
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Other, Range, Refrigerator
  • MLS#: A4696631
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/A4696631/_palmetto_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 6/12/2026 4:17:35 AM)
Listing courtesy of Compass Florida LLC   Phone: 941-279-3630

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

Palmetto, FL, 34221

$375,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $300,000 $300,000 $300,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.412% 6.640% 5.952%
Monthly Tax Payment $545 $545 $545
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,823 $1,894 $2,491
Total Monthly Payment $2,443 $2,514 $3,111

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.